WO2006036814A3 - Systems and methods for offering credit line products - Google Patents

Systems and methods for offering credit line products Download PDF

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Publication number
WO2006036814A3
WO2006036814A3 PCT/US2005/034215 US2005034215W WO2006036814A3 WO 2006036814 A3 WO2006036814 A3 WO 2006036814A3 US 2005034215 W US2005034215 W US 2005034215W WO 2006036814 A3 WO2006036814 A3 WO 2006036814A3
Authority
WO
WIPO (PCT)
Prior art keywords
credit
financial institution
files
systems
level
Prior art date
Application number
PCT/US2005/034215
Other languages
French (fr)
Other versions
WO2006036814A2 (en
Inventor
Steven M Fried
Mark E Brozek
Original Assignee
Citibank Na
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Citibank Na filed Critical Citibank Na
Publication of WO2006036814A2 publication Critical patent/WO2006036814A2/en
Publication of WO2006036814A3 publication Critical patent/WO2006036814A3/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking

Abstract

Computer implemented methods and systems for offering a credit line product to customers of a financial institution in which client household level files are created for financial institution customers, particular ones of which are then selected for a credit-line product offering based on client level and account level selection parameters, and the selected files are transferred electronically to a credit bureau. Thereafter, credit-screened account files corresponding to each of the selected client household level files with an appended credit score and credit line product terms are received from the credit bureau electronically by the financial institution for customer solicitations as determined by the credit bureau, and the customer solicitations are sent out by the financial institution.
PCT/US2005/034215 2004-09-22 2005-09-22 Systems and methods for offering credit line products WO2006036814A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US61170604P 2004-09-22 2004-09-22
US60/611,706 2004-09-22

Publications (2)

Publication Number Publication Date
WO2006036814A2 WO2006036814A2 (en) 2006-04-06
WO2006036814A3 true WO2006036814A3 (en) 2007-05-18

Family

ID=36119462

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2005/034215 WO2006036814A2 (en) 2004-09-22 2005-09-22 Systems and methods for offering credit line products

Country Status (2)

Country Link
US (1) US20060080251A1 (en)
WO (1) WO2006036814A2 (en)

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WO2006036814A2 (en) 2006-04-06

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